• Policy Benefit

  Select Sum Insured

  Included

• Computer Equipment | Cover Anywhere Within The UK (Plus Up To 60 Days Worldwide)

  Covers Desktop computer equipment, laptops & portable computers.

  This section covers your Computer Equipment up to £3,000 for theft, accidental loss or accidental damage:

  • Inside the insured address; or
  • Anywhere within the United Kingdom; or
  • Anywhere in the world for up to 60 days during the period of insurance

  -- Select Optional Sum Insured -- £500 £750 £1,000 £1,250 £1,500 £1,750 £2,000 £2,250 £2,500 £2,750 £3,000
  Premium: £0.00

  This section covers your Computer Equipment up to £3,000 for theft, accidental loss or accidental damage:

  • Inside the insured address; or
  • Anywhere within the United Kingdom; or
  • Anywhere in the world for up to 60 days during the period of insurance

• Course Fees & Rental Protection

  Please note: The tuition fees & rental protection cover is only available to students.

  Covers up to £20,000 for the reimbursemnt of non-refundable course fees and/or rent paid under a signed rental agreement if you are totally disabled as a result of:

  • Death of the insured
  • Sickness or accidental bodily injuy which results in your disablement and you are unable to remain in your accommodation.

  -- Select Optional Sum Insured -- £4,000 £5,000 £6,000 £7,000 £8,000 £9,000 £10,000 £11,000 £12,000 £13,000 £14,000 £15,000 £16,000 £17,000 £18,000 £19,000 £20,000
  Premium: £0.00

  Covers up to £20,000 for the reimbursemnt of non-refundable course fees and/or rent paid under a signed rental agreement if you are totally disabled as a result of:

  • Death of the insured
  • Sickness or accidental bodily injuy which results in your disablement and you are unable to remain in your accommodation.

• Accidental Damage To Landlords Property | Tenants Liability

  Accidental Damage to Landlords Property | Tenants Liability

  This section provides cover up to £10,000 for amounts you become legally liable to pay as damages under a formal tenancy agreement, following accidental damage to your landlord's:

  • Fixed glass, sanitary ware and ceramic hobs in fixed kitchen appliances
  • Drains, pipes, cables and underground tanks providing services to and from the insured address
  • Household goods, furniture and furnishings

  -- Select Optional Sum Insured -- £5,000 £10,000
  Premium: £0.00

  Accidental Damage to Landlords Property | Tenants Liability

  This section provides cover up to £10,000 for amounts you become legally liable to pay as damages under a formal tenancy agreement, following accidental damage to your landlord's:

  • Fixed glass, sanitary ware and ceramic hobs in fixed kitchen appliances
  • Drains, pipes, cables and underground tanks providing services to and from the insured address
  • Household goods, furniture and furnishings

• Personal Accident & Criminal Assault

  Personal Accident
  This section provides a specified monetary benefit up to a maximum of £50,000 if you sustain injuries resulting from an accident within the United Kingdom which directly results in your death or disablement within 12 months of the accident.

  Criminal Assault
  Covers up to £500 for costs you incur as a direct result of a criminal assault on you.

  -- Select Optional Sum Insured -- £10,000 £25,000 £50,000
  Premium: £0.00

  Personal Accident
  This section provides a specified monetary benefit up to a maximum of £50,000 if you sustain injuries resulting from an accident within the United Kingdom which directly results in your death or disablement within 12 months of the accident.

  Criminal Assault
  Covers up to £500 for costs you incur as a direct result of a criminal assault on you.

• Mobile Phones | Cover Anywhere Within United Kingdom (Plus Up To 60 days Worldwide)

  Please note: The mobile phone must have been purchased within the United Kingdom or your Home Country and been used with a UK SIM card.

  Covers your mobile phone up to £1,500 for:

  • Accidental damage
  • Accidental loss
  • Theft or
  • Malicious damage
  • Occurring anywhere within the United Kingdom; or.
  • Anywhere in the World for up to 60 days during the period of insurance.

  Cover also includes:

  • Mechanical breakdown up to £500
  • Mobile phone accessories up to £150
  • Unauthorised calls up to £250
  • If the phone is stolen, we will also pay up to £150 for unauthorised calls.

  NB: The mobile phone must have been purchased within the United Kingdom or your Home Country and been used with a UK SIM card.

  -- Select Optional Sum Insured -- £500 £1,000 £1,250 £1,500
  Premium: £0.00

  Covers your mobile phone up to £1,500 for:

  • Accidental damage
  • Accidental loss
  • Theft or
  • Malicious damage
  • Occurring anywhere within the United Kingdom; or.
  • Anywhere in the World for up to 60 days during the period of insurance.

  Cover also includes:

  • Mechanical breakdown up to £500
  • Mobile phone accessories up to £150
  • Unauthorised calls up to £250
  • If the phone is stolen, we will also pay up to £150 for unauthorised calls.

  NB: The mobile phone must have been purchased within the United Kingdom or your Home Country and been used with a UK SIM card.

• Pedal Cycles | Cover Anywhere Within The United Kingdom (Plus Up To 60 Days Within Europe)

  This section covers your pedal cycle for up to £3,000 for theft or accidental damage occurring anywhere within the United Kingdom.

  Cover also includes:

  • Public liability up to £1,000,000.
  • Pedal cycle accessories up to £150.
  • Cover in Europe for up to a maximum of 45 days during the period of insurance.
  • Replacement bike hire within the UK up to £420 (£70 per day).

  -- Select Optional Sum Insured -- £250 £500 £750 £1,000 £1,250 £1,500 £1,750 £2,000 £2,250 £2,500 £2,750 £3,000
  Premium: £0.00

  This section covers your pedal cycle for up to £3,000 for theft or accidental damage occurring anywhere within the United Kingdom.

  Cover also includes:

  • Public liability up to £1,000,000.
  • Pedal cycle accessories up to £150.
  • Cover in Europe for up to a maximum of 45 days during the period of insurance.
  • Replacement bike hire within the UK up to £420 (£70 per day).

• Photographic Equipment | Cover Anywhere Within The United Kingdom (Plus Up To 60 Days Worldwide)

  This section covers your photographic equipment for up to £5,000 for theft or accidental damage occurring:

  • Anywhere within the United Kingdom; or
  • Anywhere in the World for up to 60 days during the period of insurance

  Cover also includes:

  • Public liability up to £1,000,000.
  • Photographic equipment accessories up to £150.
  • Replacement photographic equipment hire up to £800 (£200 per week).
  • Coursework/photographic portfolio cover up to £250.

  -- Select Optional Sum Insured -- £100 £200 £400 £600 £800 £1,000 £1,200 £1,400 £1,600 £1,800 £2,000 £2,200 £2,400 £2,600 £2,800 £3,000 £3,200 £3,400 £3,600 £3,800 £4,000 £4,200 £4,400 £4,600 £4,800 £5,000
  Premium: £0.00

  This section covers your photographic equipment for up to £5,000 for theft or accidental damage occurring:

  • Anywhere within the United Kingdom; or
  • Anywhere in the World for up to 60 days during the period of insurance

  Cover also includes:

  • Public liability up to £1,000,000.
  • Photographic equipment accessories up to £150.
  • Replacement photographic equipment hire up to £800 (£200 per week).
  • Coursework/photographic portfolio cover up to £250.

• Musical Instruments | Cover Anywhere Within The United Kingdom

  Covers your musical instruments for up to £3,000 for theft, accidental damage or loss occurring anywhere within the United Kingdom.

  We also pay the costs up to £100 of hiring a temporary replacement whilst the insured item is being repaired or replaced.

  -- Select Optional Sum Insured -- £300 £400 £500 £600 £700 £800 £900 £1,000 £1,100 £1,200 £1,300 £1,400 £1,500 £1,600 £1,700 £1,800 £1,900 £2,000 £2,100 £2,200 £2,300 £2,400 £2,500 £2,600 £2,700 £2,800 £2,900 £3,000
  Premium: £0.00

  Covers your musical instruments for up to £3,000 for theft, accidental damage or loss occurring anywhere within the United Kingdom.

  We also pay the costs up to £100 of hiring a temporary replacement whilst the insured item is being repaired or replaced.

• Excess Protection Cover

  This section provides cover up to an amount equal to the amount of the excess in relation to each section settled claim under each section of this policy, up to an annual limit of £1,000.
  
  Cover will only operate when the excess under each section of this policy is exceeded following the successful claim payment.

  -- Select Optional Sum Insured -- £125 £250 £500 £1,000
  Premium: £0.00
  This section provides cover up to an amount equal to the amount of the excess in relation to each section settled claim under each section of this policy, up to an annual limit of £1,000.
  
  Cover will only operate when the excess under each section of this policy is exceeded following the successful claim payment.

Cover your unspecified personal possession up to £1,500 in total. Please note that there is a Single Item limit of £250 under this section.
You may wish to consider this section if you have items such as watches, jewellery, glasses, camera equipment and audio equipment valued at £250 or less.
If your item is worth more than £250 then please specify it in the “Specified Items | Cover Anywhere Within The United Kingdom (Plus up to 60 days worldwide)” section below as no single item in this section can be worth more than £250.

Important: Cover in this section excludes: Computer Equipment (including laptops, iPads, and tablets), Mobile Phones, Pedal Cycles, Photographic Equipment and Musical Instruments. Separate cover sections are available above for these items.

Covers theft or accidental damage to your specified items listed on your schedule at your insured address, anywhere within the United Kingdom plus up to 60 days Worldwide during the period of insurance.
You may wish to consider specifying items such as watches, jewellery, glasses, headphones, and audio equipment under this section. You are required to specify each item you wish to insure.

Important: Cover in this section excludes: Computer Equipment (including laptops, iPads, and tablets), Mobile Phones, Pedal Cycles, Photographic Equipment and Musical Instruments. Separate cover sections are available above for these items.